money is not guilty

Chapter 69 Bank Run Crisis

Wang Chong felt that what Gu Tiande said today was a bit strange, but he didn't think too much about it. He smiled slightly, nodded and left the office.On the coffee table was the breakfast bought by Wang Chong, Gu Tiande felt a little hungry now, he smiled wryly, he would rather die than live, boiled a cup of boiling water, and ate those buns into his stomach.

The whole office was in a mess, the cleaner knocked on the door and came in to clean it, Gu Tiande waved his hand and said, I don't need you, I'll just do it myself.He got up slowly, arranged the messy documents neatly, and put a group photo of his wife, daughter, and himself on the desk.This is a photo of my daughter when she was eight years old. I was only 30 years old at the time, and I had just joined the Donghua City Letter Agency. Although I didn’t make much money, my family lived in harmony and lived happily.Unexpectedly, in just over ten years, a family was torn apart.

He sat on the chair, worked at his desk for more than half an hour, arranged his things, put on his windbreaker, and left the Chengdong branch.

……

As soon as Wang Chong returned to his office, he suddenly received an email, which turned out to be an "Audit Visa Form", which recorded that Wang Chong's salary card account had a fund transaction with a loan customer, Mr. Kang, in the amount of 5 yuan yesterday. Yuan asked Wang Chong to explain the situation.

Wang Chong felt strange. He went to the counter of the sales department to check and found that the money was transferred by Kang Yuanheng, the owner of Kanghui Food Company, through online banking. But the problem was that Wang Chong didn't know this Kang Yuanheng at all.

According to the general rules of credit, the main parties involved in the credit business are not allowed to exchange funds with customers. At the same time, the audit system also monitors the fund flow of employees in the bank in the background, so when Kang Yuanheng's account remits money to Wang Chong, the audit is automatically triggered. Mechanism, the audit form sent by the audit department in the first time.

Wang Chong found out Kang Yuanheng's phone number and asked, "Boss Kang, I'm Wang Chong from Chengdong Branch of Donghua Bank."

The person on the other side of the phone said respectfully, "President Wang, hello, my loan is due soon, and the turnover of this loan renewal depends entirely on you."

Wang Chong said in a deep voice, "What exactly does the transfer of 5 yuan mean?"

Kang Yuanheng said, "A small meaning is not a respect."

Wang Chong felt that something was wrong. He had never known him before, and he had never disclosed his salary card number. How did he know about it and transfer the money to me, so he asked, "Mr. Kang, let me ask you, is it Who asked you to transfer the money to me?"

Kang Yuanheng laughed and said, "Aren't you asking knowingly?"

Seeing him rambling, Wang Chong also became angry, and said: "Mr. Kang, listen carefully, I don't know you, and I have never asked you for bribes. Now I ask you, who gave you this money?" It was transferred to me, if you don’t tell the truth, after the loan expires, as long as I’m in the Chengdong branch, you don’t want to renew the loan!”

Hearing his voice raised, Kang Yuanheng murmured in his heart, and said puzzledly, "Yesterday, Manager Pang called me and said that my loan is now up to you to approve, and asked me to transfer a handling fee of 5 yuan to your account. I want to find you."

"Pang Xiao?"

"Yes, he is President Gu's confidant."

Wang Chong was annoyed. Needless to say, this must have been done by Gu Tiande's envoy Pang Xiao. Anyone with some common sense knows that this kind of shady money should never be transferred through online banking, let alone transferred to a salary card. .How could Gu Tiande not make Wang Chong angry if he made himself sick like this.

Wang Chong said: "I will transfer the 5 yuan back to you later. I have recorded today's call."

"Then about my loan?"

Wang Chong said coldly, "Follow the procedure."

Wang Chong went straight to the third floor, knocked on the door of Gu Tiande's office, but found no one answered, and the door was ajar. Wang Chong pushed the door in and found that his office had been tidied up, and there were two envelopes on the table. One was written, personally signed by Wang Chong, and the other was addressed to his wife Pang Le.

Wang Chong opened the envelope to himself, and there was Gu Tiande's scribbled handwriting on it.

"Wang Chong, thank you for letting me know myself clearly. You and I have known each other for half a year. We complained more than we loved each other. We had a lot of quarrels at work. I have also been framed by you many times. Thanks to your great power, I failed to achieve what I wanted. My life Born in a revolutionary family, but failed to inherit the revolutionary tradition, and lost myself before money and beauty, I deeply regret this. I used to hate you and laugh at you. In this materialistic society, you can stick to your heart and insist on In principle, I have not been blackened by the big dye vat of this society. I used to not understand you. In the financial system, many people with authority use authority to gain their own interests, which has become the norm in society. You are an outlier, but now , I understand your original intention. I envy you for this, but I have embarked on a road of no return. In you, I found a special quality, a quality that I lack: to be a human being, but to seek peace of mind, A clear heart is the only way to be consistent. Now, I have regretted it, and I have decided to do something that is beneficial to the party, the people, and the bank. It is not for anything else, but for peace of mind. I have already reported to the auditor about the single visa Please don’t worry about the audit department’s email explaining the situation. There is another envelope on the table, please forward it to my wife Pang Le, thank you. Gu Tiande’s words. X X X X X.

An ominous premonition arose in Wang Chong's heart. He took out his mobile phone to call Gu Tiande's mobile phone, but found that the other party was already turned off.While staring at the letter in a daze, Zhang Feifan rushed in, "Master, something is wrong."

Wang Chong asked: "What's wrong?"

Zhang Feifan pointed downstairs, "A group of people came outside the door and put up a banner at the door, saying they wanted to collect debts!"

Wang Chong collected his mood, put the letter in his arms, and followed Zhang Feifan to the downstairs.There were more than a dozen people standing at the entrance of the business hall, holding a banner with a white cloth, which read: "Donghua Bank, bereavement gods, defrauding deposits, it is unforgivable, return my hard-earned money!"

In a short while, dozens of people gathered at the entrance of the Chengdong Sub-branch to watch, asking what was going on.

Wang Chong stepped forward to negotiate and asked, "Fellow folks, what's going on, please come in and talk."

"Last year, your bank president, Gu Tiande, and his brother-in-law, Pang Xiao, promised high interest rates and cheated us of more than 500 million deposits. Now that the phone calls are blocked and the house is sealed, we have no choice but to come to your bank to collect debts!"

The leader shouted, "Let you President Gu Tiande come out!"

Zhang Feifei said: "Our President Gu is not in the business today!"

"Did you hear that, Gu Tiande has run away!"

Wang Chong made a gesture towards the counter, meaning to start the mass incident plan. Shang Qingshan, the director of the sales department, received the instruction and immediately started the emergency procedure, reporting the situation to the legal compliance department, the sales department and the president's office of the head office respectively. Called the duty phone of Chengdong District Police Station.

Wang Chong is negotiating with everyone and wants to get more information.As soon as everyone heard that Gu Tiande had run away, they all shouted, "Let's go together and get our money back!"

Wang Chong stopped at the door, "Fellow folks, please calm down a bit, can you put away the banner first, and send three representatives so that we can talk inside the branch?"

"What's there to talk about, give us the money back, and we'll go!"

Wang Chong knew that things were not good. If a mass attack on a financial institution happened, the consequences would be extremely serious. He still didn't know much about the whole thing, but everyone refused to negotiate. The only one who knew the inside story, Gu Tiande, disappeared. Can't make him anxious.

The surrounding crowd, who didn't know where they were, whispered to each other. At this time, someone shouted: "Donghua Bank has closed down, everyone, quickly withdraw your money!"

In an instant, more than ten people poured into Donghua Bank one after another, "I want to withdraw money, I want to withdraw money!"

Wang Chong made a decisive decision and ordered Zhang Feifan, "Activate the liquidity risk emergency plan, require all vacation tellers to return to their posts, suspend other businesses, open all windows for payment, notify everyone in other departments to come down, maintain order, and guarantee cash payment. Count everyone's withdrawals For the amount, let Shang Qingshan check the cash bank, contact the cash truck, and apply for the transfer of cash."

Rumors spread quickly, and people around heard that the Chengdong Sub-branch was going to be closed, and they flocked to the Chengdong Sub-branch, regardless of whether it was true or false.A few minutes later, the business hall of the Chengdong branch was crowded with people.Everyone in the Chengdong branch stopped their work, went to the business hall to maintain order, and explained to everyone.Fortunately, there are two emergency drills every year on weekdays, and the crowd in the hall is not chaotic.

The Chengdong Sub-branch is a second-level branch, with a cash inventory of 200 million. In just a few minutes, everyone has already withdrawn 100 million yuan, and the cash bank is in an emergency.

The siren sounded, and three police cars came to the Chengdong branch.More than a dozen police officers got out of the car and came to the scene to maintain order. The leading police officer asked, "Who is in charge here?"

Wang Chong stepped forward, "Our president is not in the bank, and I am currently in charge."

Pulling the banner, everyone said, "Comrade police, you have to uphold justice for us, they cheated us of our money."

The police officer frowned and said, "Guys, if you have any problems, let's go to the industry and report them to the police. If you have any problems, report to the police, pull up banners, and block doors. Your behavior has violated the public security management regulations. Take down the banners first!"

The crowd shouted: "Why? We gave them our money. As a people's policeman, you don't help the people make decisions, but speak for them. You are a collusion between the government and businessmen!"

At this time, Lin Tianhua called and yelled on the other side of the phone: "Wang Chong, what's the situation over there." Wang Chong avoided the side and briefly introduced the incident to Lin Tianhua.

"Where's Gu Tiande?"

"President Gu went out this morning, and we couldn't get through to him!"

"I think he, the president, doesn't want to do it anymore. Wang Chong, I'm appointing you as the acting president of Chengdong Sub-branch to take full responsibility for this matter. President Liao and I are already on our way here. Remember, we must do a good job." Cash supply works!"

"Yes."

After the mass run, Lin Tianhua immediately reported major matters to the chairman, the People's Bank of China, the branch of the Banking Regulatory Commission, the Finance Office, the district government and other relevant departments, and set up an emergency working group to lead Liao Xingguo to the scene to preside over the overall situation.

The head of the Donghua Central Sub-branch of the People's Bank of China immediately issued instructions, and the Currency, Gold and Silver Division of the People's Bank of China and Donghua Bank made every effort to do a good job in the supply work.Half an hour later, three cash trucks, escorted by special police, sent 2000 million cash to the business department of the Chengdong branch. At the same time, each branch dispatched eight tellers to the Chengdong branch to assist in cashing the RMB.

The Risk Management Department, Payment and Settlement Department, and Treasury Department conduct simulated liquidity stress tests remotely to simulate the liquidity crisis that may be faced during mass runs.

Since most of the money in the bank is used for credit, interbank, wealth management and financial derivative projects, there is not much cash that can be used in the bank. Under normal circumstances, it can meet the daily deposit and withdrawal needs of the people. In the event of a run, there must be sufficient cash flow.After the bank pays the deposit reserve, it will generally have some reserve funds (excess reserves) to deal with this phenomenon. If the funds are not enough, they can only borrow through Shibor.

When Lin Tianhua arrived at the Chengdong Sub-branch, the scene was under control. Under the support of the police and bank staff, people waiting to withdraw money had already lined up. The slogan of 2000-hour payment was played on the led screen.

At the same time, the staff of Donghua Bank are also helping everyone to install mobile banking, and instructing them to use online banking and mobile banking to transfer money. As of 3:[-] am, the entire Donghua Bank’s deposit amount has been reduced by [-] billion yuan, including on-site withdrawals And online banking, mobile banking transfer.

Lin Tianhua received the text message. According to the current transfer speed, the reserve fund will be used up at [-]:[-] pm. He needs to borrow funds from interbank banks that have signed liquidity support agreements or prepare to refinance from the central bank. Lin Tianhua authorizes the capital department to do so through the mobile OA Good emergency preparedness.

In order to appease the public, the district government and the financial office also sent a publicity vehicle to explain financial common sense to everyone. The LED screen also displayed a slogan asking everyone not to believe rumors, Donghua Bank to ensure that all deposits and withdrawals are processed normally.

……

Lake Park.

After Gu Tiande left Chengdong Sub-branch, he came here alone. Twenty years ago, he and his wife Pang Le had their first date in this park.Sitting on a park bench, his thoughts drifted back to 20 years ago.

At that time, Gu Tiande had just returned from his major in the army, and Gu Tiande was in the prime of his life, and his father arranged for him to join the Donghua City Letter Agency.Introduced by a matchmaker, the two met here.I remember that it was summer, Gu Tiande was wearing a jacket, when he saw Pang Le for the first time, he was astonished.

Pang Le was wearing a light green Zhenliang long dress, with a slim figure and a hint of shame on his face.At that time, Gu Tiande was clumsy in speech and was not very good at expressing himself. He boldly invited Pang Le to go boating in the middle of the lake, but Pang Le actually agreed.After that, the two privately decided for life, got married, had children, and everything went according to plan.

In the life after marriage, there is only firewood, rice, oil and salt, and there is no poetic and artistic charm. Soon there is a crisis in the relationship between the two.Ten years ago, Gu Tiande's father was under double regulation, and their marriage seemed to be in harmony. Gu Tiande's character of drinking, gambling, and not keeping his duty was gradually revealed.At that time, he became the director of a branch office of the City Credit Agency and owed 10 yuan. In order to repay the debt, he began to ask customers for kickbacks. After tasting the sweetness, he got deeper and deeper in it.

Later, Gu Tiande was not satisfied with this, and started to work as a fund broker, borrowing the position of the bank president, and began to absorb idle funds from the society and release water for customers to cross the bridge. In the past few years, the economic situation has turned sharply down, and many bridge funds cannot be recovered. , As a result, the hole is getting bigger and bigger, and they have to rely on usury to make a living.

Today, the matter finally came to light, which led to a run on the Chengdong branch.However, at this time, Gu Tiande didn't know what happened in the Chengdong branch, he hesitated for a long time, and sighed, "It's really your own fault."

After smoking a cigarette, Gu Tiande brushed off the snowflakes on his body. He felt a little thirsty. He went to a nearby canteen and bought two bottles of water. In a blink of an eye, he saw that the bathing center next door had just opened. Once upon a time, he was a frequent visitor here .This bathing center is divided into three floors, bathing on the first floor, massage on the second floor, and some pornographic services on the third floor.

He walked in, and a clerk recognized him and greeted him, "President Gu hasn't come for a long time, is he by himself or with a client today?"

Gu Tiande said, "I'll take a bath."

The clerk led him to the first floor, changed his clothes, Gu Tiande went into the bathroom, turned on the faucet, and scrubbed his body vigorously, as if to wash away the bad luck on his body. Ten minutes later, after taking a shower, he directly Arrived on the third floor.

There was a waiter on the third floor. When he saw Gu Tiande, he hurriedly said, "A guest is here!" As he spoke, he ushered Gu Tiande into a single pink room, and seven beautifully dressed women with heavy make-up came in. , "Sir, please take a look."

Gu Tiande waved his hand, "Let's all stay here."

The waiter was a little surprised, but out of professional ethics, he didn't say much. He said "serve the distinguished guests well", turned around and walked out, closing the door with his backhand.

A woman said, "This gentleman really knows how to play."

Half an hour later, Gu Tiande came out looking a little haggard, settled the bill at the bar, and lit a cigarette.Hearing someone chatting, said: "I heard no, Donghua Bank heard that it is going to close down, have you saved money in Donghua Bank, transfer it quickly."

"Which bank?"

"It's the outlet in the eastern part of the city. There's a long queue at the door, waiting to withdraw money. I heard that their president has run away and said that the police have gone. If you have money, quickly withdraw it."

Hearing this, Gu Tiande put on his clothes and came to the Chengdong Sub-branch.However, now he has no face to go back to the Chengdong branch, so he climbed to the rooftop of a three-story building opposite and looked at the opposite side from a distance.

I have worked here for three years, and now it is time to say goodbye.

He lit a cigarette and looked downstairs. Wang Chong was leading the staff of Chengdong Sub-branch to explain to the masses. Not far away, Lin Tianhua was holding a phone and commanding something remotely.

He suddenly felt that he seemed to be a superfluous person.

The cold wind blew, and the outdoor temperature reached minus seven or eight degrees. He couldn't feel the cold. To be precise, he had lost consciousness. He just lit cigarettes one by one.

Before long, a pile of cigarette butts accumulated on the ground.

At noon, some staff began to distribute hot water, instant noodles and food to the people in line. The crowd had gradually dispersed, but there were still dozens of people queuing in the cold wind. An old lady held a bag in her hand and cried. Said, "This 6 yuan is my coffin book, don't let me lose it!"

Hearing this, Wang Chong quickly let the old lady into the hall. After a while, the old lady came out with a purse in her hand, "I took it out, I took it out."

Gu Tiande suddenly thought, maybe Wang Chong is more suitable to be the president of this branch than me.

After three o'clock in the afternoon, the running crowd began to gradually disperse, leaving only a few sporadic people.Half an hour later, there was no one outside the business hall, and the Chengdong Sub-branch resumed business order.After Lin Tianhua explained a few words, he led everyone back to the industry for a meeting.

Gu Tiande snuffed out the last cigarette, turned on his phone, and sent a text message to his wife Pang Le, "Lele, I have signed the divorce agreement, and I will arrange for someone to deliver it to you. There is a safe in the storage room of Longhu Residence." , the password is your birthday, and 200 million cash is left for you and your child, don’t worry, these are my salary and bonus, and they should be regarded as compensation for you and your child.”

At 04:30 p.m., Gu Tiande walked into the Economic Investigation Division of Donghua City Public Security Bureau. The police officer asked, "Excuse me, sir, what business do you want to handle?"

Gu Tiande said: "I want to surrender myself."